rebornRN

What is my next step?

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In September, I pulled a credit report from Equifax. I disputed all of my negatives at the time. 2 came back with letters from the CA stating that they would remove the items from my CR. Equifax reported that the other 2 were "verified" even though the SOL has expired and the CA are reporting these as "new" debt. Now in January, I pulled a new CR. The two items that were supposed to be removed are still showing, and the others are still there of course. What is the next step for getting the old debt removed? Also how do get the 2 that are still showing removed?

 

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I believe the SOL is the time CA have to legally sue you and its state regulated, they still can try to collect on these accts after the SOL. The negative item on your report stays on for 7 1/2 yrs and has nothing to do with the state's SOL. Still JDB & CA will try to sue and collect on these accts and its your responsibility to bring it up in front of a judge( that is if they sue).

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In September, I pulled a credit report from Equifax. I disputed all of my negatives at the time. 2 came back with letters from the CA stating that they would remove the items from my CR. Equifax reported that the other 2 were "verified" even though the SOL has expired and the CA are reporting these as "new" debt. Now in January, I pulled a new CR. The two items that were supposed to be removed are still showing, and the others are still there of course. What is the next step for getting the old debt removed? Also how do get the 2 that are still showing removed?

 

Was the letter from the COLLECTION AGENCY reporting or from EQ?  If EQ was going to delete the account they would have done so already.  If the CA is telling you that they will delete that can take a month for it to complete the process.

 

There are two SOLs:  one for reporting and one for suing.  Just because they can no longer sue you to get payment does NOT mean they have to stop reporting.  The debts can legally remain on your credit report for 7 years and 6 months after the date of first default.  While sending disputes sooner SOMETIMES works at getting debt off sooner than the 7.6 years there is NO guarantee it works.  Keeping it on your CR is the only leverage they have after the SOL for suing expires.

 

The other 2 that were "verified" with Equifax are showing "account disputed by consumer"- is this all it will show or can I get them removed?

 

it will show that you disputed them but you cannot force them to remove valid accurate trade lines.

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